When you apply for life insurance, underwriters review your health and lifestyle to decide how risky you are to insure. Most people either get Preferred, Standard, or Substandard ratings. If you’re placed in a Substandard category, you’ll receive what’s called a table rating.
Think of table ratings like risk tiers: the more serious your health conditions, the higher the table—and the higher your premium.
Table Ratings Breakdown: What Each Letter Means
Life insurance companies typically label substandard ratings from Table A to Table J (sometimes all the way to Table P).
Here’s a simplified breakdown of how each table rating increases your premium:
| Table Rating | % Increase Over Standard Rate |
|---|---|
| Table A or Table 1 | +25% |
| Table B or Table 2 | +50% |
| Table C or Table 3 | +75% |
| Table D or Table 4 | +100% |
| Table E or Table 5 | +125% |
| Table F or Table 6 | +150% |
| Table G or Table 7 | +175% |
| Table H or Table 8 | +200% |
| Table I or Table 9 | +225% |
| Table J or Table 10 | +250% |
Let’s say a Standard rate is $100/month. A Table C rating (+75%) would push that premium to $175/month.
Pro Tip: Each insurer uses its own version of this table rating system—some call it Table 2–12 instead of A–J, but the math is the same.
Real-World Example: Table Rating in Action
Mike, a 58-year-old from Kalamazoo, has well-controlled Type 2 diabetes. While some companies might automatically rate him Table B or C, we helped him apply to a carrier that specializes in diabetic risk. He was approved at Standard instead—saving him over $800/year on his policy.
The takeaway? Every insurer evaluates risk differently. That’s where an independent agent gives you the edge.
Why Did I Get a Table Rating?
Table ratings are typically assigned for:
- Diabetes (Type 1 or 2)
- Heart disease or past stroke
- Sleep apnea
- Obesity
- Cancer history
- Mental health conditions (anxiety, bipolar, etc.)
- Substance use history
Even non-medical factors can impact your rating:
- Risky hobbies (scuba diving, aviation)
- Dangerous jobs (logging, law enforcement)
- Driving record (DUI, speeding tickets)
Can I Improve My Table Rating?
Yes—and it’s often worth trying. Here’s how:
1. Shop with an Independent Agent
Different companies assign different ratings for the same condition. The key is applying to the right one.
2. Get a Policy Review
Already have a Table D policy from 5 years ago? You may qualify for a better rating today with a new application.
3. Improve Health Metrics
Lose weight, improve A1C or cholesterol, or quit smoking—then reapply in 6–12 months.
What If I Can’t Qualify for Standard Rates?
Even with a Table rating, life insurance is still worth it—especially when:
- You need coverage to protect your family’s income or debts
- You want to lock in rates before a health condition worsens
- You’re looking to leave a legacy or final expense benefit
If traditional term or whole life isn’t an option, you might consider:
- Guaranteed Universal Life (GUL): Lower-cost permanent coverage with level premiums.
- Final Expense Insurance: Easier underwriting and smaller death benefits.
- Guaranteed Issue Life Insurance: No health questions, available up to $25,000 death benefit.
FAQ: Life Insurance Table Ratings
What’s the difference between Table A and Preferred?
Preferred is a top-tier rating for healthy applicants. Table A is a substandard rating—usually 25% more expensive than Standard.
Can table ratings be negotiated?
Not directly—but applying through the right insurer can lead to a better offer.
Are table ratings permanent?
Not always. Some companies let you apply for reconsideration if your health improves after 12 months.
Bottom Line: Don’t Let a Table Rating Stop You
Even if you’ve been rated Table B, C, or D, it’s not the end of the road. With the right guidance, many people lower their rating or find a better carrier altogether.
Call us at 269-230-3464 or fill out our quote form to explore your best options. We specialize in helping high-risk clients secure affordable coverage from A+ rated insurers.
Still have questions? Let’s walk through your situation together. No pressure. Just expert advice.
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